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Protecting Your Manufactured Home in Taylor, MI.

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Taylor, MI: Costs, Coverage, and Considerations

Welcome to Taylor, Michigan- a place where culture, commerce and community intersect to create something unique!

Situated in the heart of the Downriver communities of Wayne County, Taylor emerges as a tapestry woven with threads of history, industrial innovation, and a profound sense of community. Often referred to as the "Capital of Downriver," Taylor seamlessly melds the past's rustic charm with the pulse of modern-day living, making it a compelling enclave amidst Michigan's urban expanses.

Established in the mid-19th century and originally known as Taylor Township, the city is named in honor of Zachary Taylor, the 12th President of the United States. Since its inception, Taylor has witnessed waves of transformation, transitioning from sprawling farmlands to an industrial hotspot and eventually evolving into the residential and commercial hub it is today.

Central to Taylor's character is its vibrant community spirit. The city's neighborhoods, punctuated with verdant parks and recreational areas, echo with the laughter of children, the chatter of community gatherings, and the camaraderie of neighbors. The Heritage Park, with its sprawling acres, offers residents and visitors alike a haven for relaxation, sports, and cultural events. Taylor's commercial prowess cannot be overlooked. As home to the Southland Shopping Center, one of Michigan's earliest malls, Taylor signaled its intent early on as a pivotal center for commerce in the region. Today, the city's commercial districts are a hive of activity, boasting a diverse array of businesses, from time-honored family-run establishments to innovative startups.

For the gastronomically inclined, Taylor serves up a delightful array of culinary experiences. From savory international cuisines to classic American diners, every meal here is an ode to the city's multicultural tapestry.

Intriguingly, amidst its urban vibrancy, Taylor hasn't lost touch with its rustic roots. The city's annual Junior League World Series is a heartwarming throwback to simpler times, where the thrill of baseball captures the community's imagination.

A lesser-known facet of Taylor is its commitment to the arts. The Downriver Actors Guild, among other institutions, nurtures theatrical talent, offering residents a chance to immerse themselves in the world of drama, music, and dance.

Taylor, Michigan, stands as a testament to the magic that ensues when tradition meets progress. It's a city where every street has a story, every establishment echoes with memories, and every individual is a thread in the vibrant tapestry that is Taylor. Whether you're a resident, a visitor, or a curious traveler, Taylor extends a warm invitation to experience its unique charm.

Understanding Mobile home Insurance in Michigan.

The average cost of mobile home insurance is typically between $700 and $1,500 per year according to the American Modern Insurance Group and according to another manufactured home insurer estimates the average cost to be around $1,025 per year. Insurance carriers consider several factors when determining the premium, resulting in varying rates.

The location of your mobile home, particularly the zip code in Michigan, is a significant factor.

Other factors taken into account by insurance carriers include:

  • The size and year of your mobile home
  • Upgrades made to your mobile home
  • The value of your personal property
  • Property crime rates in the area
  • Your chosen mobile home community or park
  • Weather events specific to the region
  • Whether or not you smoke

The age and value of your mobile home, deductible options, coverage limits, and potential endorsements, can also influence insurance costs in Michigan. You can minimize coverage costs by:

  • Installing extra security measures to reduce the risk of burglary
  • Making home improvements, such as adding insulation to prevent pipes from freezing

You can also combine your Michigan mobile home insurance with other coverage, such as car insurance, business insurance, and umbrella policies, to save you as much money as possible.

Choosing the Right Mobile Home Insurance for Taylor, MI.

When shopping for mobile home insurance in Taylor, MI, it's important to consider several factors. Here are the key points to keep in mind:

Weather Risks:

Taylor, MI has been under severe weather warnings 38 times in the past 12 months. Doppler radar has detected hail near Taylor on 27 occasions, which can lead to significant property damage.

 

Implications for Mobile Home and RV Insurance:

 

Hail can cause extensive damage to the exterior of mobile homes and RVs, including dents, broken windows, and damaged roofs. Mobile homes, in particular, might face complications like weakened structural integrity due to hail impact. This can increase the repair costs and even lead to potential replacements.

 

For insurance providers, this increased risk might lead to:

  • Higher premium rates due to the heightened risk of hail damage.
  • Specific hail damage deductibles or exclusions in coverage.
  • Recommendations or requirements for protective measures, such as hail-resistant roofs or shelters.

Taylor’s tornado index is notably higher than both the Michigan and U.S. averages. Tornadoes are destructive forces that can cause total loss of properties in their path.

 

Implications for Mobile Home and RV Insurance:

 

Mobile homes and RVs are particularly vulnerable to tornadoes due to their lightweight construction and lack of a permanent foundation. A tornado can easily overturn or completely destroy these structures.

 

For insurance providers, this tornado risk can lead to:

  • Increased insurance premiums or specialized tornado coverage.
  • Specific clauses regarding anchoring systems for mobile homes to reduce the risk of them being overturned.
  • Encouragement or mandates for policyholders to have a designated storm shelter or safe space.

The Taylor area has witnessed a variety of weather extremes, including floods, heavy snow, ice storms, and thunderstorm winds. Such events have been recorded multiple times in the vicinity.

 

Implications for Mobile Home and RV Insurance:

These varied weather events can pose multiple threats to mobile homes and RVs. For instance, floods can lead to water damage, while heavy snow and ice storms can strain and damage roofs.

 

For insurance providers, implications can include:

  • Requirement of additional coverage options, such as flood insurance, especially if the mobile home or RV is located in a flood-prone area.
  • Recommendations for winterizing mobile homes or RVs to handle heavy snow and prevent freeze damage.
  • Clauses that cover or exclude specific weather-related damages, leading to the need for policyholders to thoroughly understand their coverage.

Recommended Taylor Neighborhoods:

  • Mary St / Pardee Rd
  • Haskell St / Mortenview Dr
  • Taylor West
  • Taylor East
  • Ecorse Rd / Pardee Rd
  • Taylor Northeast
  • Superior Rd / Mortenview Dr
  • Telegraph Rd / Chestnut St
  • Taylor South
  • Telegraph Rd / Champaign St

Property Crime Rates in Taylor, MI.

When examining the crime dynamics in Taylor, Michigan, it becomes evident that this community possesses distinctive patterns relative to national averages, other Michigan locales, and cities of comparable size. The following provides a detailed analysis of the crime situation in Taylor:

  •  Taylor has a reported crime rate of 25 incidents per 1,000 residents. This places Taylor above the national average for crime. However, it is noteworthy that this figure doesn’t position Taylor among U.S. communities with the utmost crime rates.
  • Residents of Taylor have a 1 in 40 likelihood of experiencing either a violent or property crime.
  • Expanding the view to encompass Michigan as a whole, Taylor’s crime rate surpasses that of about 90% of the state’s towns and cities, irrespective of size, indicating a heightened crime rate within the state’s context.
  • When scrutinized alongside U.S. cities of analogous size, Taylor’s crime rate hovers around the median. That is, it isn’t particularly high or low when adjusted for its population size. Taylor essentially sits in the middle of the pack, paralleling what statistics typically project for a city of its demographic scale.

Violent Crime Insights:

  • Violent Crime Rate: Taylor's violent crime rate stands out, being among the nation's highest across communities, both expansive and petite. This category subsumes grave offenses like rape, murder, armed robbery, and aggravated assault (including weaponized attacks). Shockingly, in Taylor, there's a 1 in 188 chance of becoming a victim to such a violent crime, emphasizing a significant area of concern.

Property Crime Insights:

  • Property Crime Rate: Property crimes in Taylor, encompassing motor vehicle theft, arson, larceny, and burglary, occur at a rate of 20 per 1,000 residents. This rate suggests that Taylor residents have a higher-than-average risk of falling victim to property crimes when compared nationally. Specifically, the odds of a Taylor resident experiencing one of these property-related offenses is 1 in 51.

In dissecting Taylor's crime metrics, a duality emerges. While Taylor's overall crime rate mirrors expectations for its population size, its violent crime rate is alarmingly elevated. Residents and local authorities should recognize these patterns as they strategize on bolstering community safety and reassessing crime prevention measures.

Age and Condition of the Home:

Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.

Claims Process and Customer Service:

Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.

Policy Limits:

Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.

Premium Costs:

Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.

Local Ordinances or Laws:

Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.

Insurance Company Reputation:

It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.

Keep in Mind

By considering these factors and tailoring your insurance coverage to your specific needs, you can choose the right mobile home insurance policy in Sterling Heights, MI that provides adequate protection for your valuable investment. Since there are so many variables that go into mobile home premiums, we recommend getting a free quote right now, right here!

Did You Know ?

Efforts have been made to strengthen regulations for mobile home park residents in Michigan, including proposals for one-year leases and licensing regulations for park owners!

Michigan Mobile Home Resources
Mobile Homes in MI.

Mobile homes account for roughly 7 percent of The Great Lake State’s total housing units! Michigan has a significant number of mobile home communities, with over 900 in the state, making it the third highest in the country after Florida and Texas.

The average price of a pre-owned mobile home in Michigan is around $44,962, with an average model year of 2004. The average size of a mobile home is approximately 1,337 square feet.

Mobile homes, manufactured homes, and pre-fabricated homes are terms that are sometimes used interchangeably, but they can have different meanings. Mobile homes typically refer to factory-built homes built before 1976, while manufactured homes refer to homes built after the implementation of the HUD code. Pre-fabricated homes are generally built off-site in sections or modules and then transported to the location for assembly.

When buying a manufactured home in Michigan, there is a sales tax rate of 6%. However, there is no annual tax rate on manufactured homes, unlike some other states.

Mobile Homes program

The Mobile Homes program is responsible for initial and renewal licensure for mobile home parks and dealers and determining eligibility of park licensing through the annual inspection process. The program is also responsible for park and dealer complaints; park, dealer and installer & repair licenses; and park construction and permitting.​

The Manufactured Housing Commission

The Mobile Homes program is responsible for initial and renewal licensure for mobile home parks and dealers and determining eligibility of park licensing through the annual inspection process. The program is also responsible for park and dealer complaints; park, dealer and installer & repair licenses; and park construction and permitting.

Coastal Property Insurance Pool

Unlike certain coastal states, Michigan doesn’t have a coastal property insurance pool. Therefore, mobile home owners in Michigan need to look for insurance through private providers.

Know your rights!

Even though it's not a legal requirement in Michigan, mobile home insurance is often a wise investment to safeguard your property.

Read through the following guides to help familiarize yourself with rules and regulations in Michigan:

Michigan Mobile Home Insurance Facts.

Michigan law defines an "eligible person" for homeowners insurance as someone who owns or lives in a dwelling, including houses, condominium units, cooperative units, apartments, or multiple unit dwellings of up to four residential units.​
Eligible individuals cannot be denied insurance solely based on the age of their house, its location, or the type of neighborhood they reside in.
Unlike some other insurance coverages, law in Michigan does not mandate homeowners insurance. However, if you are financing your home, your lender will require you to purchase insurance to protect their financial interest.
Michigan law defines an "eligible person" for mobile home insurance as someone who owns or lives in a mobile home. Mobile home insurance policies are similar to conventional homeowners' policies but include specific provisions for mobile homes.
Mobile home insurance in Michigan typically provides coverage for risks specific to the state, such as damage from severe weather events like floods, windstorms, and tornadoes.
Mobile home insurance regulations may vary from state to state and even within different localities in Michigan. Working with a knowledgeable insurance agent can help you understand and comply with the specific requirements in your area.
Mobile home insurance policies are similar to those of conventional homes but come with additional provisions specific to mobile homes. They often include coverage for moving your home to avoid damage from floods, windstorms, and other perils.

Travel trailers, camping trailers, and
motor homes are typically insured under automobile, recreational vehicle, or special
policies.

Learn about the DIFS

The Michigan Department of Insurance and Financial Services (DIFS) plays a crucial role in assisting and protecting consumers in Michigan when it comes to insurance and financial services matters. As a dedicated regulatory body, DIFS provides valuable consumer information and actively investigates complaints filed against insurance providers and financial service entities. Moreover, DIFS offers support to consumers in resolving disputes related to insurance and financial services.

Mobile Home Relocation Fund

In Michigan, there is no specific mention of a Mobile Home Relocation Fund so Michigan does not have a state-sponsored aid package akin to Mobile Home Relocation Funds in other states, which provide financial assistance to mobile home park tenants under certain circumstances such as park closure, redevelopment, rent increases, changes in community age restrictions, or rehabilitation of older homes.

When Do You Need :
Mobile Home Insurance?

If you owe money on a mortgage for your mobile home, it is likely required to protect your property and the bank's investment.
If you don't have enough savings to recover from disasters like fires or tornadoes, mobile home insurance provides financial protection.
If you own your mobile home outright but lack liability coverage, insurance can protect you from litigation if someone gets injured on your property.

Additional Relief

If you've faced financial challenges in recent years, the Michigan Homeowners Assistance Fund is here to offer support. Through this program, which utilizes federal funding provided by the American Rescue Plan Act of 2021, over $114 million has been distributed to more than 15,000 homeowners in 2023. The Michigan Homeowners Assistance Fund provides relief by offering up to $25,000 per household to cover various home-related expenses. This includes assistance with delinquent mortgage payments, property taxes, and insurance costs. It's a fantastic opportunity to relieve some of the financial burdens that may have accumulated during these difficult times.

To be eligible for this funding, applicants must have experienced a financial hardship directly linked to COVID-19. Additionally, households with a total income below 150 percent of the Area Median Income (AMI) are also eligible for this program. If you meet these criteria, you can find more details and access the application on the website of the Michigan State Housing Development Authority.

Finding A Manufactured Home or Community in Taylor, MI

When looking for a manufactured home dealer or manufacturer in Taylor, MI, there are several reputable options to consider.

Wellington Estates

Address: 16031 Beech Daly Road, Lot #1, Taylor, MI 48180
Phone: (734) 941-6020
Availability: 3 homes available
Description: Wellington Estates is a manufactured home community in Taylor, Michigan, featuring three reflecting ponds, picnic and recreation areas, and natural woodlands. It offers affordable living options with a variety of high-quality manufactured homes. The community is conveniently located near shopping centers, Heritage Park, and the Lakes of Taylor Golf Club.

Robbinwood Villa

Address: 7550 Beech Daly Road, Taylor, MI 48180
Phone: (313) 295-4520
Availability: 3 homes available
Description: Robbinwood Villa is a neighborhood in Taylor, Michigan, known for its easy access to highways, proximity to shopping and services, and a wide selection of affordable new and pre-owned manufactured homes. The community features well-maintained homes, landscaped common areas, and a sense of community where neighbors know each other.

Tela Valley

Address: 17707 S. Telegraph Road, Brownstown, MI 48174
Phone: (734) 285-2288
Availability: 4 homes available
Description: Tela Valley is a tranquil and welcoming manufactured home community located in Brownstown, Michigan. It offers contemporary and thoughtfully designed manufactured homes suitable for various lifestyles. The community provides amenities such as a picnic area, playground, and basketball court. Brownstown offers a mix of small-town charm and modern amenities, making it an ideal place to call home.

Remember to reach out directly to each dealer or manufacturer to inquire about the availability of specific home models, customization options, and prices. It is also recommended to visit their websites or contact them for more detailed information and assistance in finding the right manufactured home for your needs.

Finding the Best Mobile Home Insurance in Taylor, MI

When it comes to getting mobile home insurance in Taylor, understanding the different coverage options is essential to ensure your precious investment is well protected. Let's take a look at the types of coverage available:

  • Reasoning: Michigan experiences severe thunderstorms with lightning. This coverage addresses damages to your mobile home or RV caused by lightning strikes and the associated power surges.
  • Reasoning: For mobile homeowners, this endorsement offers additional protection against home invasion-related damages, theft, or property damage resulting from criminal activities.
  • Reasoning: If you have detached structures on your property, such as a shed or garage, this endorsement provides coverage for damages to these structures caused by covered events.
  • Reasoning: If you invest in landscaping or outdoor property improvements, this endorsement offers protection for damages to these enhancements, such as gardens, trees, or fences.
  • Reasoning: This endorsement provides emergency assistance during your RV travels, including services like roadside assistance, towing, and help with finding accommodations in case of breakdowns or accidents.
  • Reasoning: RV windshields can be costly to replace. This coverage addresses damages to your RV’s windshield, including chips, cracks, or shattered glass.
  • Additional Replacement Cost Coverage
  • Debris Removal
  • Trees, Shrubs, and Other Plants
  • Fire Department Service Charge
  • Credit Card, Fund Transfer Card Forgery, and Counterfeit Money
  • Ordinance and Law Coverage
  • Personal Property Endorsements
  • Water Backup and Sump Pump Overflow
  • Flood Insurance

Now that you've got the lowdown on mobile home insurance coverage in Taylor MI, don't hesitate to get a CoverTree quote now.

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